Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

Embrace Pet Insurance offers nose-to-tail accident and illness protection and an additional Wellness Rewards program. Its diminishing deductible feature, Healthy Pet Deductible™, is included with every policy as standard. Learn more about Embrace’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5

out of 5

POSTED: | BY: Genny Reid

Great Customer Service

I've had Embrace since my boxer was 4 months old. Got the Wellness plan and the pet insurance. All her exams were covered per wellness plan and the claims I submitted were settled to my satisfaction and quickly. I subscribed to the direct deposit and received my payment within 4 days. I am very satisfied with Embrace
5

out of 5

POSTED: | BY: Diana

best insurance ever for my fur baby

great service all the time with all of my claims
5

out of 5

POSTED: | BY: Skye Howell

Impressed and grateful

We have used several pet insurance companies in the last. Embrace is by far the most comprehensive and easy to use thus far. I am so grateful to have their coverage for all the preventative care and all the ridiculous puppy accidents and illnesses that happen in the first year. I love how easy their claim process is, and we haven't had a problem yet.
1

out of 5

POSTED: | BY: LTW

Skin tag is pre existing condition for CANCER

My boxer had a small skin tag removed from his face during a dental cleaning and months later he was diagnosed with a large cancer mass in his chest Embrace will not pay any of our claims because they consider the skin tag as a preexisting mass. I even had our vet write them a letter stating that the skin tag was nothing more then a skin tag and they still denied. I would not ever recommend you put your money into pet insurance. Take your $45 a month and put it into a savings account for your pet.
5

out of 5

POSTED: | BY: Diane Slaughter

Great Company

I have only submitted wellness claims so far and they are handled quickly and efficiently.
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Monthly Cost

$13 – $100, depending on your chosen plan.

Coverage

You have a co-pay of 10%, 20% or 30% after your deductible, depending on your chosen plan. The pay-out amount is based on your actual vet bill.

Payout Limits

Annual limit of $2000, $5000, $10,000 or $15,000.

Deductible

Annual deductible options from $100 – $1,000.

Age Limits

Pet must be at least 6 weeks old to enroll. New pets over 14 are eligible for accident-only coverage. Once enrolled, pets can stay insured regardless of age.

Waiting Period

There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional Waiting or exclusion periods that vary by state.

Exclusions

Pre-existing conditions are not covered. Hereditary and congenital conditions are covered if they have not been diagnosed or suspected before the policy becomes active. Main plan covers alternative treatments such as chiropractic, acupuncture and homeopathic when provided by a licensed veterinarian. Optional wellness and prescription drug plans are available for an additional cost.
Embrace Pet Insurance detail
Embrace Pet Insurance protects over 100,000 pets across the U.S. with nose-to-tail accident and illness protection. In addition to its pet insurance policy, Embrace offers a Wellness Rewards program to help cover the cost of routine veterinary care, grooming and training. Its Healthy Pet Deductible™, the industry’s first and only diminishing deductible feature, is included with every policy as standard. For every policy sold, Embrace donates $2 to a pet-related charity, as well as offering additional funding and support to shelters and other charitable organizations.
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